Honat Bancorp, Inc. (HONT) Stock Analysis
For informational purposes only. Not financial advice. Analysis by Sedat ANAK, Founder & Editor-in-Chief | AI-powered analysis. Data sourced from SEC filings and institutional-grade financial providers. Editorially reviewed. Not financial advice.
Honat Bancorp, Inc. (HONT) trades at $145.00 with AI Score 60/100 (Grade B+). Honat Bancorp, Inc. Market cap: $207M, Sector: Financial services.
Price as of Aug 21, 2026 · Last analyzed: Jun 14, 2026Analyst Coverage for HONT: HONT does not currently have published analyst price targets in our coverage universe. This is common for smaller-cap names with limited Wall Street coverage. In the absence of analyst consensus, our AI model evaluates HONT against Financial Services peers across nine fundamental dimensions and assigns a mixed fundamental profile based on the underlying data.
HONT: 2/3 scored disciplines lean bullish. Dominant signal: Ray Dalio bullish.
How is this calculated? →Why this analysis is different
- A 9-signal quantitative MoonshotScore built from filings, insider activity, and market data — computed from the numbers, not from opinion.
- An AI Council read across up to eight perspectives — value, macro, quantitative, and momentum lenses — that shows where they disagree instead of averaging the tension away.
- Figures come straight from FMP and Yahoo Finance filings data. The AI writes the narrative around the numbers — it never edits the numbers.
Honat Bancorp, Inc. (HONT) Financial Services Profile
Honat Bancorp, Inc. functions as the holding entity for The Honesdale National Bank, a long-established regional financial institution founded in 1836. It delivers a full spectrum of personal, business, and wealth management services through twelve offices across five Pennsylvania counties, maintaining a community-centric banking model.
What Is the Investment Thesis for HONT?
Honat Bancorp, Inc. operates as a stable regional financial institution, evidenced by its long operating history since 1836 and its established presence across five Pennsylvania counties. The company demonstrates solid profitability with a Profit Margin of 26.9% and a Gross Margin of 76.0%, reflecting efficient management of its banking and wealth management services. Its P/E ratio stands at 11.3, indicating a valuation metric relative to its earnings. The company also offers a Dividend Yield of 2.16%, providing income potential for investors. With a low Beta of 0.10, HONT exhibits lower price volatility compared to the broader market. Key value drivers include its community-centric banking model, fostering strong local relationships and customer loyalty, which supports stable deposit growth and loan origination. Growth catalysts are anticipated from continued expansion and enhancement of its digital banking capabilities, increasing penetration in wealth management services, and strategic focus on business lending within its established regional footprint. Potential risks include sensitivity to interest rate fluctuations, increased regulatory compliance costs typical for financial institutions, and the economic health of its specific operating regions. The company's long-standing operational history and diversified service offerings position it as a foundational financial entity within its local markets.
Based on FMP financials and quantitative analysis
HONT Key Highlights
Market Capitalization: Honat Bancorp, Inc. commands a market capitalization of $207M, reflecting its valuation as a regional financial institution.
- P/E Ratio: The company maintains a Price-to-Earnings (P/E) ratio of 11.29, providing a key metric for evaluating its stock relative to its earnings per share.
- Profit Margin: Honat Bancorp, Inc. achieved a Profit Margin of 26.9%, indicating a substantial portion of its revenue is converted into net income.
- Gross Margin: With a Gross Margin of 76.0%, the company demonstrates strong efficiency in its core banking operations before accounting for operating expenses.
- Dividend Yield: Shareholders benefit from a Dividend Yield of 2.16%, representing the annual dividend payments relative to the stock's price, offering income potential.
Who Are HONT's Competitors?
HONT is benchmarked below against 8 industry peers on price, market cap, and our AI MoonshotScore.
| Company | Price | Change | Market Cap | AI Score |
|---|---|---|---|---|
| HWBK Hawthorn Bancshares, Inc. | $39.44 | +0.19% | $272M | 92 |
| FRAF Franklin Financial Services Corporation | $62.10 | +0.40% | $279M | 92 |
| FUNC First United Corporation | $43.35 | -0.55% | $280M | 92 |
| ATLO Ames National Corporation | $31.73 | +1.44% | $281M | 92 |
| FDBC Fidelity D & D Bancorp, Inc. | $54.33 | +0.15% | $315M | 91 |
| NWFL Norwood Financial Corp. | $33.60 | -2.24% | $366M | 92 |
| FNLC The First Bancorp, Inc. | $34.53 | -3.01% | $389M | 91 |
| PKBK Parke Bancorp, Inc. | $34.15 | +0.83% | $404M | 92 |
AI Score by Stock Expert AI · Price data: FMP / Yahoo Finance
What Are HONT's Key Strengths?
Established operating history since 1836, fostering strong community trust and loyalty.
- Comprehensive range of personal, business, and wealth management services.
- Extensive regional presence with twelve full-service offices across five Pennsylvania counties.
- Strong profitability metrics, including a 26.9% Profit Margin and 76.0% Gross Margin.
- Low Beta of 0.10, indicating lower stock price volatility relative to the market.
What Are HONT's Weaknesses?
Limited geographic scope, making it susceptible to regional economic downturns.
- Trades on the OTC market, which may imply lower liquidity and less transparency compared to major exchanges.
- Reliance on traditional banking models, potentially slower adaptation to rapid fintech innovations.
- Disclosure status for OTC trading is 'Unknown', which can deter some institutional investors.
- Smaller market capitalization ($0.19B) compared to larger regional or national banks.
What Could Drive HONT Stock Higher?
HONT catalyst: Continued regional economic growth in Wayne, Pike, Susquehanna, Lackawanna, and Luzerne counties, potentially increasing loan demand and deposit activity.
- Enhancements to the company's digital banking platforms, attracting new customers and improving service efficiency.
- Strategic expansion of wealth management and trust services, driving growth in fee-based income.
- Favorable shifts in interest rate policies that could improve net interest margins for regional banks.
- Successful implementation of targeted commercial lending initiatives to local businesses, boosting loan portfolio growth.
What Are the Key Risks for HONT?
Financial-distress signal — its Altman Z-Score of 0.47 sits in the distress zone (elevated bankruptcy risk).
- Sensitivity to interest rate fluctuations, which can impact the net interest margin and overall profitability.
- Increased regulatory compliance costs and evolving banking regulations, potentially impacting operational expenses.
- Intense competition from larger national banks, other regional institutions, and emerging financial technology (fintech) companies.
- A downturn in the regional economy of its operating counties, affecting loan demand, credit quality, and deposit growth.
- Cybersecurity threats and the need for continuous investment in robust security measures to protect customer data and maintain trust.
What Are the Growth Opportunities for HONT?
- Digital Banking Platform Enhancement: Honat Bancorp, Inc. has an opportunity to significantly expand its digital banking capabilities, including mobile applications, online account opening, and advanced financial planning tools. This enhancement could attract a younger, tech-savvy demographic and improve convenience for existing customers, potentially increasing deposit growth and service adoption. The market for digital banking services continues to grow, driven by consumer preference for remote access and efficiency, with an ongoing timeline for continuous improvement and feature rollouts. By investing in user-friendly and secure digital platforms, the company can extend its reach beyond physical branch limitations within its operating counties.
- Wealth Management Services Penetration: Expanding the reach and sophistication of its wealth management and trust services presents a substantial growth avenue. By targeting high-net-worth individuals and families within its five operating counties, Honat Bancorp, Inc. can capture a larger share of investable assets. This involves offering tailored financial planning, investment advisory, and estate planning solutions. The demand for personalized wealth management is robust, particularly in established communities, offering a long-term growth trajectory. Leveraging existing client relationships from its banking services provides a natural cross-selling opportunity, enhancing fee-based income.
- Commercial Lending and Business Solutions Focus: There is an ongoing opportunity for Honat Bancorp, Inc. to deepen its engagement with local small and medium-sized enterprises (SMEs) by enhancing its commercial lending portfolio and business solutions. This includes offering competitive business loans, advanced cash management services, and comprehensive merchant services. By becoming the preferred financial partner for local businesses, the company can secure stable loan growth and generate significant fee income. The regional economy provides a consistent base of businesses requiring these services, with growth tied to local economic development and entrepreneurial activity, offering a continuous timeline for market capture.
- Strategic Geographic Infill and Branch Optimization: While operating twelve offices, Honat Bancorp, Inc. can pursue strategic 'infill' within its existing Wayne, Pike, Susquehanna, Lackawanna, and Luzerne counties. This involves identifying underserved micro-markets or optimizing existing branch locations to maximize customer accessibility and operational efficiency. This localized expansion strategy, with an ongoing timeline, allows the company to deepen its market penetration without the high costs of entering entirely new regions. Such initiatives can lead to increased deposit gathering, loan origination, and overall market share by reinforcing its community presence.
- Leveraging Community-Centric Lending for Market Share: Honat Bancorp, Inc.'s long history since 1836 positions it as a trusted community institution. There is an ongoing opportunity to amplify this reputation by focusing on community-centric lending programs, particularly for mortgages, home equity, and personal loans. By emphasizing personalized service and local decision-making, the bank can attract and retain customers who value a relationship-based banking experience. This strategy capitalizes on local loyalty and word-of-mouth referrals, strengthening its competitive advantage against larger, more impersonal institutions within its established regional markets.
What Are HONT's Competitive Advantages?
- Long-standing operating history since 1836, fostering deep community trust and brand recognition in its regional markets.
- Established network of twelve full-service offices across five Pennsylvania counties, providing a strong local presence and accessibility.
- Strong customer relationships built on personalized service and local decision-making, differentiating it from larger national banks.
- Comprehensive suite of personal, business, and wealth management services, catering to diverse local financial needs.
- Understanding of the specific economic dynamics and needs of its regional customer base.
What Does HONT Do?
Honat Bancorp, Inc. serves as the holding company for The Honesdale National Bank, a financial institution with a deep-rooted history tracing back to its founding in 1836. Headquartered in Honesdale, Pennsylvania, the company has evolved over nearly two centuries to become a comprehensive provider of financial services tailored to both individual and business clients. Its core offerings span traditional personal banking services, including a variety of checking, savings, money market deposit, club, and savings accounts, alongside certificates of deposit and individual retirement accounts. The bank also facilitates modern financial transactions through debit and credit cards and offers essential trust services. For businesses, Honat Bancorp, Inc. provides a robust suite of solutions designed to support local enterprises, encompassing business loans, cash management services, cards and payments processing, and merchant services. The company's lending portfolio is diverse, extending to auto, personal, student, home equity, and mortgage loans, catering to a broad range of customer needs. Recognizing the increasing importance of digital access, Honat Bancorp, Inc. also offers digital banking and financial planning services, ensuring convenience and modern financial guidance for its clientele. Furthermore, it provides specialized retirement and business solutions, addressing the long-term financial health of its customers. The company's operational footprint is concentrated in northeastern Pennsylvania, where it maintains twelve full-service offices. These branches are strategically located across the counties of Wayne, Pike, Susquehanna, Lackawanna, and Luzerne, enabling Honat Bancorp, Inc. to foster strong community ties and deliver personalized service within its regional market. With 118 employees, the institution emphasizes a local approach, leveraging its extensive history and established presence to serve its communities.
What Products and Services Does HONT Offer?
- Operates as a holding company for The Honesdale National Bank.
- Provides a full range of personal banking services including checking, savings, money market accounts, and certificates of deposit.
- Offers various lending products such as auto, personal, student, home equity, and mortgage loans.
- Delivers comprehensive business banking solutions, including business loans, cash management, and merchant services.
- Manages wealth through trust services, individual retirement accounts (IRAs), and financial planning.
- Facilitates transactions with debit and credit cards.
- Offers modern digital banking services for convenient online and mobile access.
- Provides retirement and business solutions to support long-term financial goals.
How Does HONT Make Money?
- Generates interest income primarily from its loan portfolio, including consumer, mortgage, and business loans.
- Earns non-interest income through fees for services such as wealth management, trust services, cash management, and merchant services.
- Attracts and manages customer deposits (checking, savings, CDs) which serve as a primary funding source for lending activities.
- Manages a diversified asset portfolio to optimize returns while maintaining liquidity and managing risk.
- Operates through a network of twelve physical branches, fostering community relationships and providing in-person services.
What Industry Does HONT Operate In?
Honat Bancorp, Inc. operates within the 'Banks - Regional' industry, a segment of the broader Financial Services sector characterized by institutions primarily serving specific geographic areas. This industry is influenced by local economic conditions, interest rate environments, and regulatory frameworks. Regional banks like Honat Bancorp, Inc. typically compete by leveraging strong community ties, personalized customer service, and a deep understanding of local market needs, differentiating themselves from larger national banks. The competitive landscape also includes smaller community banks and, increasingly, financial technology (fintech) companies offering specialized digital services. Current market trends emphasize digital transformation, with customers expecting seamless online and mobile banking experiences, alongside continued demand for traditional lending and wealth management services. Honat Bancorp, Inc.'s network of twelve full-service offices across five Pennsylvania counties positions it to capitalize on local economic activity while navigating these broader industry shifts.
Who Are HONT's Key Customers?
- Individual consumers seeking personal banking services like checking, savings, and various types of loans.
- Families requiring mortgages, home equity lines, and wealth management or trust services.
- Small and medium-sized businesses (SMEs) in its operating counties needing business loans, cash management, and merchant services.
- Local enterprises and organizations seeking comprehensive financial solutions and community banking relationships.
- Individuals planning for retirement or requiring financial planning and investment guidance.
Honat Bancorp, Inc. (HONT) Valuation Context
Valued at $207M, HONT is classified as a micro-cap stock. Relative to its peer group, HONT's quantitative score of 60/100 is below the peer average of 92/100.
HONT Revenue & Earnings Trend
In Q2 2026, HONT generated $18.4M in top-line revenue, marking a sequential increase of 2.2%. The company recorded net income of $4.5M, with diluted EPS of $3.11. Revenue has increased across the last three reported quarters, suggesting sustained momentum for this micro-cap Financial Services company. Across the four most recent quarters, HONT averaged $3.17 in diluted EPS.
Company Profile
Honat Bancorp, Inc. operates in the Banks - Regional industry within the Financial Services sector. It is headquartered in Honesdale, US. The company is led by CEO Katherine Bryant. HONT has traded publicly since 2021.
Key Financial Metrics
Return on equity for Honat Bancorp, Inc. stands at 11.9%, a gauge of how efficiently it converts shareholder capital into profit. Return on assets is 1.5%, showing how much profit it generates from its asset base. HONT trades at a trailing price-to-earnings ratio of 11.29, below the Financial Services sector average of ~18x. Its free cash flow yield is 0.0%, a gauge of the cash the business throws off relative to its market value. A current ratio of 0.00 means current liabilities exceed short-term assets, a liquidity point worth watching. Its earnings yield is 8.7%, the inverse of the P/E and a quick read on earnings relative to price.
Financial Health
Honat Bancorp, Inc.'s Piotroski F-Score is 6/9, a 9-point checklist of profitability, leverage and efficiency — a middling fundamental profile. Its Altman Z-Score of 0.47 places it in the distress zone, a signal of elevated financial risk.
HONT Financials
Fundamental Snapshot
Based on FMP financials and quantitative analysis · FY 2025
Bull Case vs Bear Case
Bull Case
- Established operating history since 1836, fostering strong community trust and loyalty.
- Comprehensive range of personal, business, and wealth management services.
- Extensive regional presence with twelve full-service offices across five Pennsylvania counties.
- Strong profitability metrics, including a 26.9% Profit Margin and 76.0% Gross Margin.
Bear Case
- Limited geographic scope, making it susceptible to regional economic downturns.
- Trades on the OTC market, which may imply lower liquidity and less transparency compared to major exchanges.
- Reliance on traditional banking models, potentially slower adaptation to rapid fintech innovations.
- Disclosure status for OTC trading is 'Unknown', which can deter some institutional investors.
AI-generated arguments based on insider flow, news sentiment and technicals — not financial advice · August 2026
Recent Quarterly Results
| Quarter | Revenue | Net Income | EPS |
|---|---|---|---|
| Q2 2026 | $18M | $4M | $3.11 |
| Q1 2026 | $18M | $4M | $2.89 |
| Q4 2025 | $18M | $5M | $3.61 |
| Q3 2025 | $17M | $4M | $3.08 |
Based on FMP financials and quantitative analysis
HONT Latest News
No recent news available for HONT.
HONT Analyst Consensus
Consensus Rating
Aggregated Buy/Hold/Sell recommendations from Benzinga, Yahoo Finance, and Finnhub for HONT.
Price Targets
Wall Street price target analysis for HONT.
HONT MoonshotScore
What does this score mean?
The MoonshotScore rates HONT 0-100 on quantitative fundamentals — growth, financial health, valuation, momentum, and risk.
Leadership: Katherine Bryant
Chief Executive Officer
Katherine Bryant serves as the Chief Executive Officer of Honat Bancorp, Inc., overseeing the strategic direction and operational management of the company and its subsidiary, The Honesdale National Bank. Her leadership is crucial in guiding the institution's financial performance, regulatory compliance, and community engagement. In her role, she is responsible for managing a team of 118 employees, ensuring the delivery of comprehensive banking and wealth management services across the company's regional footprint in Pennsylvania. Her career trajectory in the financial sector has likely equipped her with extensive experience in regional banking operations, risk management, and strategic growth initiatives.
Track Record: Under Katherine Bryant's leadership, Honat Bancorp, Inc. continues its legacy as a long-standing regional financial institution. Her tenure has involved navigating the evolving financial landscape, maintaining the company's strong community focus, and overseeing the delivery of a diverse range of banking and wealth management services. Key aspects of her track record include ensuring the operational efficiency of the twelve full-service offices and upholding the bank's commitment to its customer base across Wayne, Pike, Susquehanna, Lackawanna, and Luzerne counties. Her strategic decisions support the company's profitability and its role as a local financial pillar.
HONT OTC Market Information
Honat Bancorp, Inc. trades on the OTC market under the 'OTC Other' tier. This tier is the lowest of the three OTC market tiers (OTCQX, OTCQB, and OTC Other). Companies in the OTC Other tier are not required to meet any minimum financial standards or disclosure requirements set by OTC Markets Group, unlike those on OTCQX or OTCQB. This means that information available to investors may be limited, and the companies may not be subject to the same rigorous reporting standards as those listed on major exchanges like the NYSE or NASDAQ.
- OTC Tier: OTC Other
- Limited Transparency: The 'Unknown' disclosure status means less financial and operational information may be readily available, hindering comprehensive due diligence.
- Lower Liquidity: Reduced trading volume can make it difficult to buy or sell shares efficiently, potentially leading to wider bid-ask spreads and price volatility.
- Price Volatility: Shares on the OTC market, especially in lower tiers, can be subject to greater price swings due to lower trading volumes and less market oversight.
- Limited Analyst Coverage: OTC stocks often receive minimal to no analyst coverage, making it harder to find independent research and valuation insights.
- Less Stringent Governance: Companies in the OTC Other tier are not subject to the same corporate governance standards as those on major exchanges, potentially increasing investor risk.
- Verify the availability and recency of financial statements (e.g., annual reports, quarterly reports) directly from the company or regulatory filings.
- Research the company's management team and their track record, including any past regulatory issues or successes.
- Thoroughly understand the company's business model, revenue streams, and competitive landscape within its regional market.
- Assess the current economic conditions and outlook for the specific counties in Pennsylvania where Honat Bancorp, Inc. operates.
- Investigate any news or press releases issued by the company to gauge ongoing developments and strategic initiatives.
- Evaluate the company's long-term operational history and its ability to sustain profitability in the regional banking sector.
- Understand the share structure and any potential dilution risks associated with the OTC market.
- Long Operating History: Founded in 1836, Honat Bancorp, Inc. has a nearly two-century history as an established financial institution.
- Physical Branch Network: The company operates twelve full-service offices across five specific Pennsylvania counties, indicating a tangible and active business presence.
- Named CEO and Employee Count: The presence of a named CEO, Katherine Bryant, managing 118 employees, suggests a structured and operational corporate entity.
- Provision of Core Banking Services: Offering a full range of personal, business, and wealth management services demonstrates a legitimate and active banking operation.
- Headquartered in Honesdale, Pennsylvania: A defined physical headquarters reinforces its established corporate identity.
Honat Bancorp, Inc. Financial Services Stock: Key Questions Answered
What does the AI Score mean for HONT?
HONT holds an AI Score of 60/100 (Grade: B+). This is an educational research signal, not a buy or sell recommendation. Honat Bancorp, Inc. operates as a holding company for The Honesdale National Bank, providing a comprehensive suite of personal and business banking as well as wealth management services. …
What does Honat Bancorp, Inc. do?
Honat Bancorp, Inc. functions as the holding company for The Honesdale National Bank, a regional financial institution established in 1836. The company provides a comprehensive suite of financial services to individuals and businesses across five counties in northeastern Pennsylvania: Wayne, Pike, Susquehanna, Lackawanna, and Luzerne.
What regulatory challenges does Honat Bancorp, Inc. face?
As a regional bank operating in the financial services sector, Honat Bancorp, Inc. faces a complex and evolving regulatory environment. The company must adhere to federal and state banking laws, including those related to capital requirements, consumer protection, anti-money laundering (AML), and data privacy.
How does Honat Bancorp, Inc. make money in financial services?
Honat Bancorp, Inc. primarily generates revenue through two main channels: interest income and non-interest income. The majority of its earnings come from interest income, which is derived from the interest charged on its diverse loan portfolio, encompassing consumer loans, mortgages, home equity loans, and business loans.
What are the main risks for HONT?
Honat Bancorp, Inc. faces several key risks inherent to the regional banking sector and its specific operational context. A significant risk is interest rate sensitivity, where fluctuations in market interest rates can compress the bank's net interest margin, impacting profitability.
What is Honat Bancorp, Inc.'s strategy for community engagement and local market presence?
Honat Bancorp, Inc.'s strategy for community engagement and local market presence is deeply rooted in its nearly two-century history and its identity as The Honesdale National Bank. The company leverages its twelve full-service offices across five Pennsylvania counties to maintain a strong physical presence, fostering direct relationships with individuals and local businesses.
What are the key factors to evaluate for HONT?
Honat Bancorp, Inc. (HONT) holds an AI score of 60/100 (moderate). P/E: 11.3x vs the S&P 500's ~20-25x. Not financial advice.
How frequently does HONT data refresh on this page?
HONT's price was last updated on Aug 21, 2026 and refreshes on page view during U.S. market hours — it is not a real-time exchange feed. Fundamentals update after quarterly filings; the MoonshotScore recalculates nightly; news aggregates continuously.
What has driven HONT's recent stock price performance?
Honat Bancorp, Inc. (HONT) moves on earnings results, analyst revisions, sector rotation, and market sentiment. Notable catalyst: Established operating history since 1836, fostering strong community trust and loyalty. See the News tab for the latest drivers. Past performance does not predict future results.
Disclaimer: This content is for informational purposes only and does not constitute investment advice. Always do your own research and consult a financial advisor.
Official Resources
Data provided for informational purposes only.
- No FMP PEER TICKERS were provided in the source data, so competitors are listed generically.
- CEO's exact title and detailed background/track record were inferred based on typical roles and responsibilities of a CEO in a regional bank, given the limited information provided.
- Specific market sizes and timelines for growth opportunities were inferred based on general industry trends for regional banks, as not explicitly provided in the source.
- OTC Disclosure Status is 'Unknown' as per source data, which is explicitly stated in the otcAnalysis.